NYSE:MA

Mastercard Inc. (MA)

538.70
-0.69 (0.13%)
as of Jul 2, 2026, 11:40:33 pm Market Open.
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Investor Insights
star iconJul 5, 2026, 12:00 am

This summary was created by AI, based on 16 opinions in the last 12 months.

Experts share a positive outlook on Mastercard Inc. (MA), emphasizing its strong fundamentals and strategic positioning within the digital payment landscape. The company benefits from ongoing trends towards digitization, with credit cards viewed as essential financial tools despite concerns over potential disruptions from stablecoins and cryptocurrencies. While comparisons are made with Visa, analysts suggest that both companies possess durable business models and are well-entrenched in the market. Growth rates remain encouraging, with revenue and earnings projected to increase in the coming years, supporting a favorable investment thesis despite recent stock performance challenges.

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Consensus
Buy
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Valuation
Fair Value
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Similar
Visa,V
TOP PICK
Stock dropped because of concerns on proposed changes on debit card fees. This was more perception than reality because they don't participate in the debit card fee itself.
COMMENT
MasterCard (MC-N) or Visa (V-N)? Both companies are well run. The risk would be the credit situation in the US and it might spill over with the new European crisis. When the stocks hit their lows in 2008-2009 that was a great buying opportunity. They have both been on a fantastic run and not sure you'll make much money buying at its current level.
PAST TOP PICK
(A Top Pick March 11/09. Up 69.1% excluding dividends.) Competes very well against Visa (V-N), its major competitor.
PAST TOP PICK
(Top Pick Mar 11/09, Up 52.87%) Not as cheap as it was, but still good value.
BUY
Very good moneymaking machine. Riding along the 50-day moving average and not falling below it. You could also look at Capital One Financial (COF-N) or American Express (AXP-N).
PAST TOP PICK
(A Top Pick Dec 19/08. Up 58.2% excluding dividends.) Multiple has gone up to 18 X earnings so it's approaching a level where he is starting to get cautious.
DON'T BUY
A little bit overvalued. Not a compelling opportunity.
DON'T BUY
Trading at 18X forward earnings and 40X price to cash flow. He would prefer about 12X forward earnings.
DON'T BUY
Visa (V-N) and MasterCard (MA-N) make money on fees they charge merchants. (Also have debit cards in Europe and US but not in Canada.) Transaction oriented companies, so if you think retail sales are going to pick up then you will want to own but if the consumer is tapped out and trying to get out of debt (which he thinks) then you don't want to be there right now. His preference would be towards Visa because of its stronger international name.
BUY
Between Visa (V-N) and MasterCard (MA-N), MasterCard is the cheaper of the stocks from a valuation standpoint. Both of these companies are in the right spot. There will be a huge increase in the use of debit cards and both companies have a huge position in this area.
TOP PICK
The key thing is there is no credit risk. Really a processor of transactions. As we move from a cash society this will get more and more business.
COMMENT
Stock has held up well and has started to build a base. There is a thought that this type of credit is starting to be used a bit more. Short term moving average was around $148. When it starts to improve, it should get above the short term moving average and then above the long-term.
TOP PICK
Numbers are very, very impressive. Trading at about 14X earnings. Sticking to their 20% earnings growth target for 2009.
DON'T BUY
MasterCard (MA-N) and Visa (V-N) are phenomenal franchises and basically a global duopoly. Not tied to spending but transaction growth. PE multiple for both companies is somewhere in the mid-20s, which is very rich. On a 5-year time horizon, they will grow into that multiple. Would consider buying at a sub-20 PE.
DON'T BUY
Based on their last quarterly report, his model price is $113.27. This gives a -52% differential.
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